Our History

Home Federal Bank originated in 1920 in Middlesboro, Kentucky as the Peoples Building and Loan Association. In those early years, with modest assets and prudent management, we established a record of dependability. In 1961, we became a federally chartered institution. Home Federal Bank opened its second location in Harlan, KY in 1975.

As a means to better serve our customers' needs and to more effectively compete in today's market place, we converted from a mutual institution to a stockholder (HFBA) owned institution in December 1992. While keeping a focus on the surrounding markets, Home Federal Bank saw opportunity in Tennessee and opened our existing New Tazewell branch, in the mid 1990's.

In 2001, Home Federal Bank became a state chartered commercial bank that allowed us to concentrate more on commercial business. With this new charter, we were able to provide our customers with all their needs, from a variety of loans and deposit products including cash management for commercial customers.

With the convenience of Norris Lake so close by, we began to appreciate and capitalize on the business that our beautiful environment provided. Norris Lake, located in five different counties, one being Campbell County, brought a new business spotlight. After serving Campbell County since the 70's, Home Federal Bank was fortunate enough to open a full service branch in 2003 in Jacksboro, Campbell County's county seat.

In August of 2010, we saw an opportunity to strengthen our presence within the Harrogate and Lincoln Memorial University communities by building yet another branch. The newest and most state of the art branch is located directly across from Lincoln Memorial University's DCOM building.

Today, Home Federal Bank is one of the top financial institutions in the area. We listen to our customers and place an emphasis on the banking services that help turn visions into realities. It is important to us to stay abreast of the current financial trends so we can continue to find new ways to better serve you, our customers.